My experience with "insane" was that monsters were not giving extra points. The gobbies at the docks, for instance, were the same xp value as in "normal".
Also, you'll notice that items for sale at the merchants are exactly the same as they are in "normal". Nothing upscale shows unless you're in HOF mode.
So the game is harder but you don't seem to get any benefits. Foo!
Nightowl2
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